If you’ve been craving space, privacy, and a slower pace of life without giving up convenience this is exactly what you’ve been waiting for. Tucked just outside of Fort Myers, this property sits on over an acre down a private road, offering that peaceful, country-style setting while still being just minutes to shopping, dining, schools, and everything you need.As you arrive, you’ll immediately feel the difference. The home is perfectly positioned in the middle of the property, giving you space on all sides and a sense of privacy that’s hard to find. With no HOA, you have the freedom to truly make this property your own, whether that means adding a shop, bringing your toys, or simply enjoying wide-open space. This is a home where the big projects are already complete. Major systems have been thoughtfully updated, including HVAC (2026), impact windows, roof (2025) and gutters, and a whole-home re-pipe giving you confidence and peace of mind from day one. Even better, the property has never flooded. Inside, the home offers a bright, thoughtfully designed layout with well-defined living spaces that still flow comfortably from one area to the next. The main living area connects naturally to the updated kitchen and family room, creating a warm and inviting environment for both everyday living and entertaining. French doors provide the option to separate spaces when desired, while the split-bedroom floorplan offers privacy, generous room sizes, and functional storage throughout. Step outside and you’ll start to really appreciate what this property offers. Off the family room is a beautifully upgraded in-ground pool with spa, where you'll want to spend your evenings with a glass of wine or al-fresco dining. The expansive yard gives you room to breathe & space for kids, pets, future additions, or simply enjoying the quiet and privacy of your own land. Whether it’s morning coffee under the gazebo or evenings under the stars, this is what Southwest Florida living is all about. Additional upgrades like paid-off solar panels, reverse osmosis water system, updated pool equipment, custom closets, and high-speed internet already in place make everyday living even easier. This isn’t just a home, it’s a lifestyle. A place where you can spread out, slow down, and still be just minutes from the heart of Fort Myers.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
